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Savings Accounts

A solid start on your path to financial success

Watch your money grow in primary savings accounts and special savings accounts

Here's how Coastal's Savings Accounts could help you bank better:

  • Open a Primary Savings Account to become a member-owner of Coastal Credit Union and gain access to our full range of products and services
  • Use a Special Savings Account to pay for vacations, hobbies and holiday expenses
  • Both accounts feature low minimum deposits - start with just $100 in a Primary Savings Account and $1 in a Special Savings Account
  • Earn competitive dividend rates on your deposits and access your money through our ATM networks
  • This savings account is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program
  • id AllySM : Our identity theft recovery program is included free with this product

In savings, as in other aspects of life, you have to start somewhere.

At Coastal Credit Union, our goal is to help you achieve yours. A good place to start is opening a savings account, either to become a member-owner or to start saving for holidays and other special moments.

A Primary Savings Account is a great place to start building financial security. It’s also your key to opening the door to our many services and products – ranging from money market accounts and mortgage loans to business financing and retirement services. Our Special Savings Account goes one step further and helps you focus on specific savings goals, whether that’s a vacation of a lifetime or a little extra under the tree this Christmas. Your goals are within reach when you open a Coastal savings account.

Security Commitment
Security Commitment
Protect yourself from fraud and identity theft.

I can take care of all of my banking needs on MY schedule, not a retail bank's inconvenient schedule.
Dwight R.

Frequently Asked Questions

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.

Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.

Federal Regulations require us to have limitations on the number and types of withdrawals allowed on a savings account. Your savings accounts are limited to 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a fee for each withdrawal. As an alternative, you can avoid this fee by performing a cash withdraw from your savings account at an ATM. It's good to know that ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D. Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the 6 as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month. If you find yourself coming close or exceeding your limits, you may want to consider a checking account at Coastal.

To set up a direct debit or credit to your account you will want to provide the ABA/Routing Number 253175494. If you have a checking account, please use the 14 digit number on the bottom of your checks. If you want to debit or credit another account with your Coastal account, please give us a call at 800-868-4262 or 919-420-8000. For security reasons, we will mail you the account details to set up direct debit or credit to your account.

If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union
ABA/Routing Number: 253175494
Credit Name: (Your name and address)
Account Number: (Your 14-digit Coastal account number)

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